Frequently Asked Questions
General Questions
What is Wealthy YOU?
Wealthy YOU is an independent investment support platform that empowers individual investors with institutional-grade tools and strategies. We provide calculators, sample portfolios, and unbiased insights to help you make more informed investment decisions, using the same disciplined approaches followed by leading pension funds and endowments.
Who founded Wealthy YOU?
Wealthy YOU was founded by Robert Cultraro, who has over 30 years of investment experience, including serving as Chief Investment Officer of a $10 billion pension fund and CEO of NordoVest, which provides institutional investment advisory services.
Is Wealthy YOU a registered investment advisor?
No, Wealthy YOU is not a registered investment advisor, broker-dealer, or financial planner. We provide general educational content and tools for informational purposes only. We do not manage investments or provide personalized investment recommendations.
Membership & Account Questions
What membership levels do you offer?
We offer Essential Access as our primary membership level, which includes access to savings and investment tools, portfolio strategies, and investment insights. We also offer a 1-month free trial membership.
How do I cancel my membership?
A: Go to “My Account”, under Memberships, select “Cancel”. Note that your account will be cancelled immediately, but you’ll retain access through the end of your current billing period. You can cancel by going to this link: https://wealthy-you.ca/membership-account/membership-cancel/
Can I get a refund if I cancel?
All digital products and memberships are final sale due to their intangible nature. If a renewal has already been charged, that charge is non-refundable. However, future renewals will be cancelled when you cancel your membership.
What happens during my free trial?
During your 1-month free trial, you get instant access to all premium content. You can cancel anytime during the trial period. If you don’t cancel, your membership will automatically renew.
Content & Tools Questions
What tools and calculators are included with my paid subscription?
*Retirement Income Needs Calculator
*Savings Goal Calculator
*Budget Planner
*Home Affordability Planner
*Asset Mix Tool
*Investment Policy Statement Generator
*Portfolio Builder
Do you provide specific investment recommendations?
No, we provide educational content only. Our portfolio strategies section shows sample allocations and explains how index ETFs work, but we don’t make specific product recommendations or provide personalized advice.
What kind of investment insights do you provide?
A: Our Investment Insights section includes founder editorials, educational guides, market commentary, investment psychology content, regular habit-building support, and behavioural nudges to help you stay disciplined with long-term investing.
Book Questions
What is Robert’s book about?
“Wealthy YOU – How Billion-Dollar Investors Succeed and How You Can Too” reveals the simple strategies used by institutional investors and shows how to apply them using low-cost index funds. It includes a complete DIY investing blueprint that can be implemented in under an hour.
Where can I buy the book?
The book is available on Amazon.ca. You can also find more information about the book in the “Book” section of our website.
Technical & Support Questions
How do I access Essential Access content?
After logging in, you’ll find Essential Access in your member dashboard. This includes access to our tools section for calculators, portfolio strategies section for guidance on index ETFs and sample portfolios, and investment insights for ongoing education.
I’m having technical issues accessing my content.
Please contact our support team at info@wealthy-you.ca within 14 days if you experience technical issues accessing your purchase. We’ll help resolve any access problems.
How can I contact you?
You can reach us at info@wealthy-you.ca or use the contact form on our website. You can also use the chat function on the bottom right of any page.
I forgot my password, how can I reset it?
On the Login screen, select “Lost Password” and you will be able to have your password reset.
Investment Education Questions
I’m new to investing. Where should I start?
Start with Essential Access and head to our Tools and Calculators section that help define your financial goals. Then explore our curated list of investment platforms to choose the right fit. Use our Asset Allocation Tool to see sample portfolio mixes, and review our Portfolio Strategies section for guidance on index ETFs.
Do you teach about index ETFs
Yes, our Portfolio Strategies section provides comprehensive education on how index ETFs work, their fee structures, and how they can be used in different types of portfolios. We also provide sample portfolios and a curated list of top index ETF options with ticker symbols.
What makes your approach different?
We translate the same proven strategies used by billion-dollar institutional investors into simple, actionable steps for individual investors. Our approach focuses on three key pillars: asset allocation, risk management, and cost efficiency – the same principles used by top pension funds and endowments. No commissions. No hidden fees. No product sales. No need to transfer your assets.
Legal & Compliance Questions
Is the content suitable for Canadian investors?
Yes, our content complies with applicable Canadian securities regulations governing general investment education. The information is designed to be relevant for Canadian investors, though the educational principles apply broadly.
Do you receive commissions from investment platforms?
No, Wealthy YOU operates independently and does not receive compensation or commissions from any investment platform or product mentioned in our materials. Our recommendations are 100% unbiased. Wealthy YOU operates under only subscription services and does not receive any compensation from other sources.
What are the risks of investing?
Investing involves risk, including potential loss of principal. Past performance is not indicative of future results. We always recommend consulting with a registered financial professional before making investment decisions, especially for personalized advice suited to your specific situation.